I understand
and accept that HDFC Bank maintains the web-site http://www.hdfcbank.com
(going ahead referred to as "the Site" or "the bank website")
to provide visitors with information about HDFC Bank,
its services and products and to facilitate communication
with HDFC Bank and availing its services. I also accept
that visitors to the Site are required to read the below
terms, and use of the Site constitutes my acceptance and
agreement to be bound by such terms, and the changes therein
to the Website Usage Terms from time to time, relating
to my usage of the website as communicated and made available
on the Bank's website.

I am aware and accept
that all information, content, materials, products (including,
but not limited to text, content, photographs, graphics,
video and audio content) on the website is protected by
copyright in the favour of HDFC Bank under applicable
copyright laws and is also protected otherwise under general
intellectual property law.

I understand and accept
that all information submitted by me through the HDFC
Bank website shall be deemed the property of HDFC Bank,
and the Bank shall be free to use any ideas, concepts,
know-how or techniques provided by me at the Site, in
any manner whatsoever. On initiating a contact through
the Bank website I agree to being contacted by the bank
or any other entities with whom the bank has entered into
an arrangement.

I agree that I shall not
copy, reproduce, sell, redistribute, publish, enter into
a database, display, perform, modify, transmit, license,
create derivatives from, transfer or in any way exploit
any part of any information, content, materials, services
available from or through the bank website, except that
which I may download for my own personal, non-commercial
use.

I agree that I will not
use the bank website for any purpose that is unlawful,
or prohibited by these Website Usage Terms. I also agree
I will not use the bank website in any manner that could
damage, disable or impair the website or interfere with
any other party's use or enjoyment of the website.

I acknowledge that the
software and hardware underlying the bank Website as well
as other Internet related software which are required
for accessing the website are the legal property of the
respective Vendors/Bank. The permission given by the Bank
to access the bank website will not convey any proprietary
or ownership rights in the above software / hardware.
I agree that I shall not attempt to modify, translate,
disassemble, decompile or reverse engineer the software
/ hardware underlying the bank website or create any derivative
product based on the software / hardware.

I understand and accept
that not all the products and services offered on this
website are available in all geographic areas and I may
not be eligible for all the products or services offered
by HDFC Bank on the Site. HDFC Bank reserves the right
to determine the availability and eligibility for any
product or service.

I am aware that HDFC Bank
proposes to use "cookies" (Cookies are small
data files that a website stores on my computer.) for
storing visitor preferences, profiling visitors and tracking
visitor behavior on the bank website. By visiting the
website I acknowledge, accept and expressly authorize
the Bank for the placement of cookies on my computer.

I understand and accept
that HDFC Bank is not responsible for the availability
of content or other services on third party sites linked
from the bank website. I am aware that my access of hyperlinks
to other internet sites are at my own risk and the content,
accuracy, opinions expressed, and other links provided
by these sites are not verified, monitored or endorsed
by HDFC Bank in any way. HDFC Bank does not make any warranties,
and expressly disclaims all warranties express or implied,
including without limitation, those of merchantability
and fitness for a particular purpose, title or non-infringement
with respect to any information or services or products
that are available or advertised or sold through these
third party websites.

The Bank shall not be
liable if any transaction does not fructify or may not
be completed or for any failure on part of the Bank to
perform any of its obligations under these terms and conditions
or those applicable specifically to its services/facilities
if performance is prevented, hindered or delayed by a
Force Majeure event (defined below) and in such case its
obligations shall be suspended for so long as the Force
Majeure event continues.

“Force Majeure Event”
means any event due to any cause beyond the reasonable
control of the Bank, including without limitations, unavailability
of any communication systems, breach, or virus in the
processes or payment or delivery mechanism, sabotage,
fire, flood, explosion, acts of god, civil commotion,
strikes or industrial action of any kind, riots, insurrection,
war, acts of government, computer hacking, unauthorised
access to computer data and storage devices, computer
crashes, malfunctioning in the computer terminal or the
systems getting affected by any malicious, destructive
or corrupting code or program, mechanical or technical
errors/failures or power shut down, faults or failures
in telecommunication etc.

I understand and accept
HDFC Bank has the absolute discretion to amend or supplement
any of the Website Usage Terms at any time and will give
prior notice of 30 days for such changes. Changed Terms
and Conditions shall be communicated to me on the Bank’s
website and by other acceptable modes of communication.
By using the services, I shall be deemed to have accepted
the changed Website Usage Terms.

I accept that the Courts
in Mumbai alone shall have exclusive jurisdiction as regards
any claims or matters arising out of dealings with HDFC
Bank, and all disputes will be governed by the laws of
India.

I understand and agree
that these Website Usage Terms are in addition to, and
not in derogation of, the applicable Terms and Conditions
relating to my usage of any other HDFC Bank services that
I may be currently availing or may in the future avail,
including without limitation the NetBanking service.